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Safe RateLocal Mortgage Rate Index · Jul 25, 2026

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National rate snapshot

National average scenarios · Jul 25, 2026 · Safe Rate Local Mortgage Rate Index

30-Year Fixed
Most popular
Standard home purchase
20% down740+ credit
6.917%est. · 0 pts
Full details
15-Year Fixed
Pay off faster
Lower total interest paid
20% down740+ credit
6.048%est. · 0 pts
Full details
30-Year FHA
Low down payment
First-time buyers
3.5% down580+ credit
7.337%est. · 0 pts
Full details
30-Year VA
No down payment
Veterans & active military
0% down620+ credit
6.040%est. · 0 pts
Full details
30-Year Jumbo
High-value homes
Loans above $766,550
20% down760+ credit
7.000%est. · 0 pts
Full details
Cash-Out Refi
Cash from equity
Access your home equity
Keep 25% equity720+ credit
7.018%est. · 0 pts
Full details

Safe Rate Local Mortgage Rate Index · Based on national average inputs · Rate index estimates, not offers or commitments to lend · Methodology · Data license

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